Personal Investments • Re: How to switch vanguard 529 account to a different...
Unless you get a state tax break, You might be fine with that states 529. Check out if it is good herehttps://clark.com/personal-finance-cred ... /529-plan/Statistics: Posted by mhalley — Mon Oct 14,...
View ArticlePersonal Investments • Re: Roth Conversions. Any benefits in my case?
You have won the game. Obv you and wife can and should do as you wish. But with your resources, you can easily afford to purchase awesome health insurance. So if she wants to work four more years...
View ArticlePersonal Investments • Re: Getting nervous about US equity valuations
You mean there might be a sale coming? Woohoo!!Statistics: Posted by StayTheCourse60 — Tue Oct 15, 2024 12:06 am
View ArticlePersonal Investments • Re: IPS Step #1: Create an AA. Please help me, I’m Dumb
I am starting over. I slid way down the Dunning-Kruger curve and hit rock bottom.In viewtopic.php?p=8076770#p8076770 you describe having a 70/30 allocation with rebalancing bands.Statistics: Posted by...
View ArticlePersonal Investments • Re: What am I missing (Roth Conversion)?
there are 2 principles which i view as fundamental when considering a roth conversion:(1) pay the tax from a taxable account that is earning bond-like returns. do not sacrifice the tax deferral of a...
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Personal Investments • Re: Dividend Fallacy
Here is a quandary. Is the dividend from a high-yield (i.e. junk) bond income? Because of the frequent defaults in this asset class and thus loss of principal, returns are less than dividends...
View ArticlePersonal Investments • Re: Managed Bond Fund in IRA (Frontier/Hightower)
when you mention these things, you should really get the names of funds so we can properly research them. I see two funds with Frontier: mfg infrastructure and mfg global sustainable (neither of which...
View ArticlePersonal Investments • Re: Seeking Advice on My Portfolio
Cash - you loan money to the government or a corporation for a short term (3 months to 3 years). Cash instruments include savings accounts, high-yield savings accounts, certificates of deposit (CDs),...
View ArticlePersonal Investments • Re: VTIP vs rolling 5 year individual TIPS ladder
Those issues are specific to ETFs. You can hold a mutual fund like VTAPX or FIPDX and buy or sell at NAV.Statistics: Posted by Northern Flicker — Wed Oct 16, 2024 12:11 am
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Personal Investments • Re: I messed up huge….[accidental 401k withdrawal]
Update my husband’s 401k transitioned to a new company… and he didn’t know. He got to work and started going through emails. It kept me up all night. I so appreciate everyone’s input to help me to...
View ArticlePersonal Investments • Re: Bonds vs HYSA/CDs
https://www.morningstar.com/funds/xnas/vbtlx/chartHow were you able to add VUSXX to the VBTLX chart ? I could not find VUSXX in the compare option of the VBTLX chart link which you shared.Statistics:...
View ArticlePersonal Investments • Re: Help getting in the market
I was looking into my portfolio today because I'm trying to learn how to strategize reallocating my portfolio going into retirement (still at least a decade away) and figuring out what to do with my...
View ArticlePersonal Investments • Re: 200k [How to invest this amount in today's market...
Hi. With this market hitting all time highs every day, how to deploy 200k into my portfolio of 400k plus in a brokerage vtsax amd vtiax? With inflation, two wars etc nothing brings this market...
View ArticlePersonal Investments • Re: 8-year fixed income ladder suggestions
I bought a TIPS ladder (in my traditional IRA) …I realize these securities might be best in a tax advantaged account, but I’d prefer to avoid using the Traditional IRA for several years. I’m hoping by...
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Personal Investments • Re: Portfolio Questions... please advice on allocations
... Tax Rate: 12% Federal, 0% State... New annual Contributions $23,000 his Roth401(K) (employer matching contributions: $5,330 in Traditional 401(K)) $26,000 taxable (I can save $1000 from each...
View ArticlePersonal Investments • Re: Larry Swedroe on Reinsurance
The alts Larry has been recommending lately, e.g. discussed in this thread, all seem too expensive to me to consider. But the reinsurance I don't understand why it's considered an alt. What exactly...
View ArticlePersonal Investments • Re: Can I contribute to mega backdoor post tax 401k at...
Awesome. Thank you!The new employer provides company match only if I contribute to pre-tax 401k. Is it a bad practice to intentionally go over the IRS limit for 23,000+7500 just to get the company...
View ArticlePersonal Investments • Re: Kids Roth IRA Funds Advice
Sp500 or VT maybe a percentage in a very focused etf such as SMH or QQQ. Let it ride.Roth IRAs have a threshold of earned income. That doesn't mean a CPA with benefits.Kid walks neighbors dog, baby...
View ArticlePersonal Investments • Re: 32, Married, HCOL, Leaving EJ advice
Random question to add to the conversation Since moving into Schwab, I have no data of my cost basis. I can pull old cost basis information from statements I saved from Edward jones, but when it comes...
View ArticlePersonal Investments • Re: Pre-tax vs Roth for couples who plans to retire 10...
If you might live abroad when retired, the Roth can be taxed, so you get to pay taxes twice.viewtopic.php?t=352409Roth is often touted as a no-brainer. It's not.Statistics: Posted by Claudia Whitten —...
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